2026 Relocation & Cost Arbitrage Engine

Relocation: Chicago Metro, IL-IN to Augusta Metro, GA-SC

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Chicago-Naperville-Elgin, IL-IN to Augusta-Richmond County, GA-SC.

Popular Corridors:
Equivalent Salary
$81,200
To maintain parity
Cost of Living Delta
-18.8%
Overall expenditure basket
Annual Tax Delta
+$564
State + local taxes
Annual 1BR Rent Delta
-$6,936
HUD Fair Market Rents
Net Annual Buffer
+$7,500/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Chicago-Naperville-Elgin, IL-IN

COL 125.8
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,805
Local / City Tax $0
Net Annual Take-Home $74,375
HUD 1BR Fair Market Rent -$21,360
Discretionary Cash Flow $53,015
Target Market
Destination Location

Augusta-Richmond County, GA-SC

COL 102.2
Gross Parity Income $81,200
Federal Income Tax -$9,034
FICA (SS & Medicare) -$6,212
State Income Tax -$3,303
Local / City Tax $0
Net Annual Take-Home $62,651
HUD 1BR Fair Market Rent -$14,424
Discretionary Cash Flow $48,227

EPI family budgets put living costs 18.8% lower in Augusta-Richmond County, GA-SC than in Chicago-Naperville-Elgin, IL-IN, so $100,000 in Chicago goes about as far as $81,200 in Augusta. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,202 in Augusta, $6,936 a year less. On the same $100,000 salary a single filer pays $564 less a year in federal, state and local income tax and FICA in Augusta. Taxes and one-bedroom rent together leave you about $7,500 a year better off. The BLS median wage across all occupations is $54,720 in Chicago and $45,990 in Augusta.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Chicago-Naperville-Elgin (Monthly) Augusta-Richmond County (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,780$1,202-$578-32.5%
Food & Groceries$385$341-$44-11.4%
Transportation$947$1,100+$153+16.2%
Healthcare$416$475+$59+14.2%
Other Necessities$572$375-$197-34.4%
Total Taxes (Federal, State, Local, FICA)$2,135$2,088-$47-2.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$578/mo (-32.5%)
Chicago-Naperville-Elgin: $1,780/mo Augusta-Richmond County: $1,202/mo
2-Bedroom Fair Market Rent -$682/mo (-33.9%)
Chicago-Naperville-Elgin: $2,011/mo Augusta-Richmond County: $1,329/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$5.21/hr (-18.7%)
Chicago-Naperville-Elgin: $27.82/hr Augusta-Richmond County: $22.61/hr
2 Adults + 1 Child (per earner) -$4.40/hr (-18.1%)
Chicago-Naperville-Elgin: $24.26/hr Augusta-Richmond County: $19.86/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Chicago-Naperville-Elgin Median Augusta-Richmond County Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$109,390$102,360-$7,030 (-6.4%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$100,490$87,760-$12,730 (-12.7%)View Dossier
Accountant & AuditorFinanceFinance$82,360$76,710-$5,650 (-6.9%)View Dossier
Financial ManagerFinanceFinance$168,810$129,180-$39,630 (-23.5%)View Dossier
Software EngineerTechnologyTechnology$134,380$119,780-$14,600 (-10.9%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$105,090$87,920-$17,170 (-16.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$158,690$138,690-$20,000 (-12.6%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$173,760$160,860-$12,900 (-7.4%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,230$49,960+$1,730 (+3.6%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$105,320$101,280-$4,040 (-3.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$102,350$59,660-$42,690 (-41.7%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$165,340$146,720-$18,620 (-11.3%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Chicago-Naperville-Elgin, IL-IN to Augusta-Richmond County, GA-SC Relocation FAQs

About $81,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 102.2 in Augusta-Richmond County, GA-SC, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Chicago-Naperville-Elgin, IL-IN to Augusta-Richmond County, GA-SC: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Augusta-Richmond County, GA-SC to Chicago-Naperville-Elgin, IL-IN
Relocation: Chicago Metro, IL-IN to Augusta Metro, GA-SC Overview

Chicago-Naperville-Elgin, IL-IN to Augusta-Richmond County, GA-SC: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Chicago Metro, IL-IN to Augusta Metro, GA-SC compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Augusta-Richmond County, GA-SC to match $100,000 in Chicago-Naperville-Elgin, IL-IN?

About $81,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 102.2 in Augusta-Richmond County, GA-SC, from EPI family budgets); taxes are compared separately below.

Is Augusta-Richmond County, GA-SC cheaper than Chicago-Naperville-Elgin, IL-IN?

EPI's family budgets for a single adult put overall living costs 18.8% lower in Augusta-Richmond County, GA-SC than in Chicago-Naperville-Elgin, IL-IN. The budgets cover housing, food, transportation, health care and other necessities.